Preparing for Christmas early.
Now that the Christmas season is over you may be asking yourself “How am I going to do this better next year?” Preparing for Christmas can be easy if you know what you want to do.
Many of us get carried away with the “Christmas spirit” and spend more than we intended to. Maybe this is even done with the best intentions, we love the people we are buying for and we want to bless them but there are smart ways to do it and not so smart ways.
- Start a Christmas account – Many banks still offer these accounts you setup your direct deposit to do a small amount every
paycheck and then they mail you a check in October. We don’t use a traditional “Christmas” account but a simple savings account from Capital one 360. We just pull out the money we will need come shopping time. The table to the left can show you how much you can save based on your pay period. - Plan ahead and buy at the right time – Prices fluctuate throughout the year depending on the product. Air conditioners are less expensive in the winter than they are in the spring. If there is a larger ticket item that you know you are going to buy for the holidays plan ahead and buy it when it is cheapest. How do you know when things are cheapest? Lifehacker had you covered.
- Determine your plan – Do you need to buy for everyone you know? Or even everyone in your family? No you don’t. You can trade names and do a secret Santa, so you can buy one gift that matters instead of a couple of dozen gift cards. We have decided to do a “Want, Need, Wear, Read” approach within our family so we are limiting the items we are exchanging. Hopefully this will prevent crap from building up in our kids’ play room.
- Work the system – This takes a little bit of work but you can buy gift cards to buy your gifts and get rewards for doing so. Our local Kroger offers discounts on gas when you spend money at groceries, including gift cards. We do most of our shopping on Amazon so we first go to the store and buy gift cards. Then we get discounts on the gas we will use to go over the river and through the woods to Grandmothers house. If you are disciplined enough you can even use a rewards credit card to get some rewards that way.
Christmas doesn’t have to be stressful if we plan ahead what steps have you taken or do you want to take in order to be prepared for Christmas next year.
Image by decar66
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Jason administrator
Jason is the founder of Considering Stewardship he has a passion for helping people to steward all of their resources as gifts from God. Time, money, and Talent.
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